Owner Operator Insurance Requirements Pompano Beach, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operator Insurance Requirements Pompano Beach, Florida. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Pompano Beach, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Pompano Beach, Florida in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Pompano Beach ( POMP-ə-noh) is a city in Broward County, Florida. It is located along the coast of the Atlantic Ocean, just north of Fort Lauderdale. The nearby Hillsboro Inlet forms part of the Atlantic Intracoastal Waterway. It is a principal city of the Miami metropolitan area, which was home to 6.14 million people in 2020. As of the 2020 census, the population was 112,046, making it the sixth-largest city in Broward County, the ninth-largest city in the South Florida metropolitan area, and the 20th-largest city in Florida.
Pompano Beach Airpark, located within the city, is the home of the Goodyear Blimp Spirit of Innovation.
Its name is derived from the Florida Pompano (Trachinotus carolinus), a fish found off the Atlantic coast.
There had been scattered settlers in the area since at least the mid-1880s, but the first documented permanent residents of the Pompano area were George Butler and Frank Sheen and their families, who arrived in 1896 as railway employees. The first train arrived in the small Pompano settlement on February 22, 1896. It is said that Sheen gave the community its name after jotting down on his survey of the area the name of the fish he had for dinner. The coming of the railroad led to development farther west from the coast. In 1906, Pompano became the southernmost settlement in newly-created Palm Beach County. That year, the Hillsboro Lighthouse was completed on the beach.
On July 3, 1908, a new municipality was incorporated in what was then Dade County: the Town of Pompano. John R. Mizell was elected the first mayor. In 1915, Broward County was established, with a northern boundary at the Hillsboro Canal. Thus, within eight years, Pompano had been in three counties. Pompano Beach experienced significant growth during the Florida land boom of the 1920s. In 1940, the U.S. Supreme Court disallowed forced confessions in Chambers v. Florida, a dispute stemming from a murder in Pompano Beach.
Following the population boom due to World War II, in 1947, the City of Pompano merged with the newly-formed municipality on the beach and became the City of Pompano Beach. In 1950, the population of the city reached 5,682. Like most of southeast Florida, Pompano Beach experienced great growth in the late 20th century as many people moved there from northern parts of the United States. A substantial seasonal population also spends its winters in the area. The city of Pompano Beach celebrated its centennial in 2008.
According to the United States Census Bureau, the city has a total area of 25.4 square miles (65.8 km), of which 24.0 square miles (62.2 km) is land and 1.4 square miles (3.6 km), or 5.54%, is water.
A 2017 study showed 73,000 residents living within FEMA’s coastal floodplain.
Pompano Beach is in northeastern Broward County along the Atlantic Ocean. It includes about 3 miles (5 km) of beachfront, extending from the intersection of State Road A1A and Terra Mar Drive to the Hillsboro Inlet. The city is bounded by the following municipalities:
On its northeast:
On its north:
On its west:
On its southwest:
On its south:
On its southeast:
Pompano Beach has a tropical monsoon climate (Am) with hot, humid summers and warm winters.
These are the neighborhoods and communities that are officially recognized by the City of Pompano Beach.
In 2000, the median income for a household in the city was $36,073, and the median income for a family was $44,195. Males had a median income of $31,162 versus $26,870 for females. The per capita income for the city was $23,938. About 13.1% of families and 17.0% of the population were below the poverty line, including 30.1% of those under age 18 and 9.4% of those age 65 or over.
As of 2010, Italian-Americans made up 8.5% of the population, forming the second largest ancestry group in the city.
As of 2010, before annexation of other areas, Pompano Beach has the highest concentration of residents of Haitian ancestry in the country, at 9.3% of the population. while it had the highest percentage of Brazilians in the US, at 2.67%,
As of 2000, before many of the unincorporated areas were annexed to the city, those who spoke only English were 76.4% of the population, while those who spoke Spanish as a mother tongue were 9.3%, while French Creole (Haitian Creole) was at 6.2%, French at 2.4%, Portuguese 1.5%, German was 1.0%, and Italian as a first language made up 0.9% of the population.
Data for previously unincorporated areas that are now part of Pompano Beach:
Although there are about 17 postsecondary schools within 10 miles (16 km) of downtown Pompano Beach, the majority of these are for-profit schools or schools that specialize in a specific field. Students may prefer postsecondary schools that offer programs in a wider variety of disciplines, especially if a student has yet to settle on a specific field of study. Pompano Beach is also the registered office for Augustine Graduate School, a post-secondary school, named for the North African theologian, philosopher, educator, and scholar Augustine, the graduate school offers graduate programs in the areas of psychology, philosophy, theology, education, and business; additionally the graduate school offers graduate certificates in various areas.
Broward County Public Schools operates public K–12 schools.
Elementary schools
Middle schools
High schools
The Roman Catholic Archdiocese of Miami operates the Saint Coleman K–8 school in Pompano Beach; it opened on September 9, 1958. The archdiocese formerly operated the St. Elizabeth of Hungary School. The church attempted to resolve its debt to the archdiocese by loaning $2.13 million from Bank of America, and the school had $337,000 in debt in 2009, and it ballooned to $1.3 million of debt in the 2009–2010 school year. It closed on June 15, 2010.
In recent years, an effort to rejuvenate rundown areas near the city’s beach has gained momentum and has stimulated a multibillion-dollar building boom. Community redevelopment agencies were established for the East Atlantic/Beach corridor, as well as for the old downtown and Hammondville/Martin Luther King Jr. corridor.
Companies based in Pompano Beach include Associated Grocers of Florida. Nonprofits include Cross International.
According to the city’s 2011 Comprehensive Annual Financial Report, the largest employers in the city are:
Pompano Beach holds several annual cultural events including the Pompano Beach Seafood Festival, St. Patrick’s Irish Festival, St. Coleman’s Italian Festival, the Pompano Beach Holiday Boat Parade, The Holiday Yuletide Parade, The Annual Nautical Flea Market at Pompano Community Park & Amphitheater, and The Annual Blues and Sweet Potato Pie “Juneteenth” Festival.
The Kester Cottages (the Pompano Beach Historical Museum), Blanche Ely House Museum, Meridian Gallery, The Historic Ali Cultural Arts Center, Bailey Contemporary Arts, and Pompano Beach Art Gallery are located in the city. Two theatres in the area include Curtain Call Playhouse and Poet Productions. There are two malls in Pompano Beach. The first is Festival Flea Market Mall, which houses booths and kiosks selling jewelry, electronics, and clothing. The other, Pompano Citi Centre, is an open-air mall.
The city has been twinned since 2017 with Termoli, a coastal town in the province of Campobasso, Italy.
Pompano Beach Municipal Golf Course has two 18-hole courses, the Palms, and the Pines, which opened in 2013.
Parks include Pompano Beach Community Park, Kester Park, Cresthaven Park, Harbors Edge Park, and Scott Meyers Memorial Park. Fern Forest Nature Center is just across the Coconut Creek city boundary.
Pompano Beach Community Park features an aquatic center, pickleball courts, basketball courts, soccer fields, jogging paths, and baseball fields. Prior to 2008, this park was the location of the Pompano Beach Municipal Stadium, which served as the spring training camp for the Washington Senators from 1961 to 1971 and the Texas Rangers from 1972 through 1986.
In 2004, John Rayson became the first elected mayor of Pompano Beach. Prior mayors had been selected by city commissioners from among themselves. The vice-mayor continues to be selected by city commissioners from among themselves. At the federal level, Pompano Beach is located in Florida’s 20th congressional district, which is represented by Democrat Sheila Cherfilus-McCormick. The current Mayor at Large is Rex Hardin.
Pompano Beach is a part of the Miami–Fort Lauderdale–Hollywood media market, which is the twelfth-largest radio market and the seventeenth-largest television market in the United States. Its primary daily newspapers are the South Florida Sun-Sentinel and The Miami Herald, and their Spanish-language counterparts El Sentinel and El Nuevo Herald. Local Pompano-based media includes The Pompano Pelican, the longtime local weekly newspaper; the Deerfield-Pompano Beach Forum, published by the Sun-Sentinel Company; Pompano Post Community Newspaper and PompanoFun.com, a website focusing on local entertainment and events; and television program Today in Pompano.
The South Florida Regional Transportation Authority has its headquarters in Pompano Beach, located next to the Pompano Beach Tri-Rail station.
In addition to Tri-Rail, Pompano Beach is also served by several bus routes operated by Broward County Transit. Two major transfer points are the Northeast Transit Center and Pompano Citi Centre.
Pompano Beach’s sister cities are:
